Spar SBI Credit Card vs BOB Financial PREMIER

Joining Fees

₹499

₹1,000

Editor's Rating

2.5

4.6

Key Features

  • Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
  • On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
  • On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
  • 1% fuel surcharge waiver 
  • 5X rewards on travel, dining and abroad; 2 Reward points on others
  • Complimentary airport lounge, 24x7 concierge
  • Zero fuel surcharge
  • Fuel surcharge waiver
  • Zero annual fees basis card usage

Editor's Review

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
  • Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

  • No Golf/coaching sessions
  • Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

Pros

  • Convert purchases more than Rs. 2,500 on the card into easy EMIs of 6/12 months
  • 3 lifetime free add-on cards
  • Free Personal Accidental Death Cover


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